Help responding to Letter from Rausch Sturm on behalf of PRA
A few years a ago, I made some bad credit card decisions and let an $8k debt go to collections. I stopped receiving calls about it after some time, so I was hoping that I bought some time, since my...
View ArticleMidland Credit Management Lawsuit, Need advice please!
1. Who is the named plaintiff in the suit? Midland Credit Management 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Clarkson and Hale...
View ArticleCap1 and Midland and JDB Lawsuits - Policy change?
Hey everyone. Tried to reply to some prior topics but really got no traction with this. Cap1 is, or has been, widely known to hold their own paper and sue aggressively. There have been multiple...
View ArticleDoes Delinquent Auto Settlement
Does auto loan companies take settlements. I have an auto loan that is 4yrs delinquent, I got in a car accident and stop paying the loan and the company never received the car back.
View ArticleTATE & KIRLIN: Pay for delete offer
Greeting all! Opinions requested... I have received what appears to be an unsolicited payment settlement offer from a collector named Tate and Kirlin. They claim to be collecting for LVNV Funding on...
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How to demand proof of license to collect debt in my state?
Hi, I have a quick question that I haven’t found a direct answer to from searching. Ive encountered 2 collection agencies on my reports that are not licensed to collect debt in my state of residence...
View ArticleLVNV funding and debt buyers??
My wife has a debt collector (lvnv funding) looking to collect and I’m wondering can she have this reflect paid in full on her credit report if she pays it in full? Or if a lower offer can reflect the...
View ArticleSued and moved out of state
I have been fighting a collections case for over 3 years in MN and just found out I lost. The judge gave approval for the collection agency to enter a judgment against me for $9700. I moved to AZ 6...
View ArticleGurstel Law Firm-California filing
Hello, I've received a letter almost 2 weeks ago from Gurstel that includes a copy of "Request for Default and proposed Judgment by Default" filed with the court. This was the first time I've seen...
View ArticleSource Receivables Management validated
I sent a debt validation request to SRM for a family member. They sent some information back which may be suffice for validation. Family member is interested in settling the matter and I am...
View ArticleTips of verifying the accuracy (or inaccuracy) of supposed letters from OC's,...
While in the process of requesting validation on a few questionable JDB accounts, some of the info being provided to me by the collection agencies appear rather "off", and I'm trying to see how I can...
View ArticleArbitration: How to know which method I could use
I am considering the use of arbitration and thought per @fistbigcheese post that I could use that option. I have a case with a promissory note with Prosper/Webank. There is an arbitration clause but...
View ArticleFDCPA Debt Validation Myths
DEBT VALIDATION MYTHS The following are based upon misconceptions regarding the Fair Debt Collection Practices Act (FDCPA) U.S.C. § 1692 *NOTE* An initial communication is the first...
View ArticleHow do I Pay Original Creditor (utility) and stop the Collection Agency from...
I have a 3-year old Electric bill that is with a Collections Agency. The original creditor will accept payment directly from me (in full and that's OK with me). However, how do I make sure that the...
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1st letter from hunt and henriques...what do I do?
Hello, I just got a letter 1/24/2019 from the lovely Hunt & Henriques notifying me of their "intent to sue and incur court costs" on behalf of their client "portfolio recovery associates llc"...
View ArticleHow to negotiate medical collection account
Hi, I have a pending medical collections account that I want to settle (eventually removal from the credit report) to allow me to negotiate better mortgage rates. Q1. I am not good with verbal...
View ArticleStatue of limitations
Hi if I cosigned an auto loan with someone,it took place in Nj. The company is located in MI,the finance company. The car was bought in Nj and we both life in ny. Which states statue of limitations...
View ArticleHow many times can a debt be assigned?
How many times can a debt be assigned? I heard it was four times? Which FL and which Federal Statute states it is illegal to assign a debt to more than FOUR collection agents?
View ArticleGoing against Midland Funding tomorrow Please Help
Hello, I came across this site and figured I would see if I could get a little advice. I'm going to court to fight Midland Funding after receiving an Affidavit from a law firm on behalf of them. I...
View ArticleDenied MTC
Hello Everyone, Please I need your help ASAP. I had a Cap 1 credit card and they sold it to Midland. Midland sued me then I answered them a couple of weeks ago. They sent me a notice of discovery...
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